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Big Savings Ahead: IRS Announces 2027 HSA Limits
The IRS has announced the official 2027 inflation-adjusted limits for Health Savings Accounts (HSAs) and High-Deductible Health Plans (HDHPs). For 2027, the maximum contribution limit for individual coverage jumps to $4,500 (a $100 increase), while family coverage will see a rise to $9,000 (up by $250). Get ready to plan for these new limits, effective January 1, 2027.
HSA Contribution Limits for 2027
Health Savings Account |
2026 |
2027 |
| Maximum Contribution Limit | ||
| HSA Contribution Limit – Individual Coverage | $4,400 | $4,500 |
| HSA Contribution Limit – Family Coverage | $8,750 | $9,000 |
| HDHP Minimum Deductible | ||
| HDHP Minimum Deductible – Individual Coverage | $1,700 | $1,750 |
| HDHP Minimum Deductible – Family Coverage | $3,400 | $3,500 |
| HDHP Out-of-Pocket Maximum | ||
| HDHP Maximum Out-of-Pocket – Individual Coverage | $8,500 | $8,700 |
| HDHP Maximum Out-of-Pocket – Family Coverage | $17,000 | $17,400 |
How Does an HSA Benefit You?
HSAs provide significant savings for families with three tax-saving opportunities:
- Contributions are made with pre-tax dollars
- Funds earn interest tax-free
- Withdrawals for qualified eligible expenses are tax-free
Beyond short-term medical bills, HSAs also offer long-term investment opportunities, allowing you to build a dedicated healthcare nest egg for the future.
HSA Eligible Expense List
Browse thousands of pre-approved HSA eligible expenses with P&A’s vendor partner, HSA Store. See what’s eligible, stock up on daily essentials, and discover new healthcare products.
Log Into Your HSA
Ready to check your current account balance, update your baseline contributions, or manage your funds? Log into your account to get started.
Pro Tip: Health Savings Accounts are triple-tax advantaged accounts that can save you significantly on healthcare costs. See how you can benefit from an HSA.
